Winter Harbor, ME Housing Affordability Index
Winter Harbor, Maine has an MBR Housing Affordability Index score of 216.6 (Highly Affordable) as of October 30, 2026, ranking 2nd most affordable of 128 scored Maine cities, compared with 95.4 statewide and 97.4 nationally. On a median-priced $240,300 home with 20% down, the Maine average 30-year fixed rate of 7.19% means a monthly principal and interest payment of about $1,303, or 18% of the city’s $86,667 median household income.
The MBR Housing Affordability Index (MBR-HAI) for Winter Harbor is updated every night from live Maine mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.
Winter Harbor is 121.2 points above the Maine score. Scores as of October 30, 2026. See the Maine index
View Winter Harbor Mortgage RatesSee What You Can Afford in Winter Harbor, Maine
Use this Winter Harbor, Maine home affordability calculator to see how much house you can afford at today’s Maine average 30-year mortgage rate of 7.19%. A household earning the Winter Harbor median income of $86,667, with no other debts and $48,000 down, can afford a home of about $295,188, compared with a median home value of $240,300. Buying the median priced home with 20% down takes a household income of about $64,300 once property tax and insurance are counted.
| Loan amount | $247,188 |
| Principal & interest | $1,676/mo |
| Property tax | $121/mo |
| Home insurance | $123/mo |
| PMI | $103/mo |
| Total monthly payment | $2,022/mo |
How much house can you afford in Winter Harbor?
Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.
In Winter Harbor, property taxes run about 0.49% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $5,130 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.
What It Takes to Buy in Winter Harbor
Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Winter Harbor, Maine. The rate is the Maine average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.
How Winter Harbor Ranks in Maine
Cite the Winter Harbor Score
Explore Further
Scores update each morning, computed from rate data captured the previous night. Score of 100 = national average at a 6.5% reference rate.
